Income TaxFY 2026-27 (AY 2027-28)
Capital Gains Calculator
LTCG / STCG with post-Budget-2024 rates: 12.5% LTCG and 20% STCG on listed equity, with 12.5% no-indexation regime for property/unlisted.
Asset details
Asset type
LTCG · 12.5% · holding 27 months
₹74,100
LTCG on listed equity / equity MF (Sec 112A) — 12.5%
Capital gain
₹6.95 L
Exemption (₹1.25L)
₹1.25 L
Sec 112A
Taxable gain
₹5.70 L
Rate
12.5%
Tax
₹71.3 K
Cess (4%)
₹2.9 K
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Sec 111A / 112 / 112A as amended by Finance (No. 2) Act 2024 — rates effective from 23 July 2024. Property/unlisted acquired before 23 Jul 2024 retain optional 20% with indexation (grandfathering).
FAQs
Frequently asked questions
Are the new 12.5% / 20% rates applicable for FY 2026-27?+
Yes. Rates apply to all transfers from 23 July 2024 onwards (Finance Act 2024). Earlier transfers in FY 2024-25 follow old rates (10% LTCG / 15% STCG).
Is indexation gone for property?+
Default LTCG on land/buildings/unlisted is 12.5% without indexation. For assets ACQUIRED BEFORE 23 Jul 2024 (resident individuals/HUFs only), there's an option to compute at 20% WITH indexation and pay the lower tax — toggle 'Apply indexation'.
Why is debt MF taxed at slab?+
Debt mutual funds purchased on or after 1 April 2023 are taxed at slab rate regardless of holding period (no LTCG benefit). Older units holding > 36 months get LTCG at 20% with indexation; > 24 months from FY 2024-25.
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